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Top 5 Safest Long-Term Investments

A volatile global market has made many investors wary, but those willing to ride out the ups and downs can still find excellent long-term investment options. It’s worth looking at these forms of investment to make your money work for you over the next few years to meet financial goals, whether you’re saving for retirement or a big purchase down the road. The following are five of the safest investments out there when viewed from a long-term perspective.

   1. Property

Although the housing crisis has given real estate investment a bad reputation, the property market is already showing signs of recovery in many areas. If you’re able to hold on to the property for at least 10 years, you will most likely see a solid return on your investment, as the market stabilizes over time. In the meantime, it’s possible to rent out the home for a side stream of income or live in it while building your home equity. The 30-year fixed mortgage rate is near historic lows, making this a good time to buy decent property at a low price.

   2. Savings Account

If you’re unsure about putting your money into the stock market or tying it up in a piece of property, it’s worthwhile to at least look at your savings account options. With the help of a financial planner at a firm such as Lombard Odier, you can examine the types of accounts that will yield you the highest rates of interest over time. A savings account is always a solid investment, as your savings will be insured up to a certain amount. Another benefit of putting your money into savings is that this affords a high degree of liquidity, giving you access to your money should you suddenly need it due to an unexpected medical expense or other need.

   3. Government Bonds

Should corporate bonds be too big of a gamble, government bonds are still a safe option for both short-term and long-term investors. These are issued in a set face value, which is paid back at a certain date along with periodic interest payments. It’s important to decide which government you wish to invest in, however. Although European bonds differ greatly in yields, UK and USA government bonds are seen as safe, stable investments.

   4. Gold

According to a recent Gallup poll, Americans now view gold as the safest long-term investment available. Gold and other precious metals are a way to hedge your finances against a potential currency crash, as they are considered to be separate from the currency system. One factor to take into consideration is the need for safe storage. If your gold or precious metals are stolen, there goes your investment. Many investors choose to invest in an ETF or options and derivatives instead of purchasing physical gold bullion.

   5. Mutual Funds

Those willing to give the stock market a try can use low-risk mutual funds as a way to safely invest their money. Mutual funds are considered to be a safe bet because they are managed by experts, such as the options provided by Lombard Odier. The mutual fund manager has investor interests in mind and can diversify your portfolio for you. This helps protect your investment against serious hits, since you are essentially sharing the risk.

By looking at the range of options out there, you can find a long-term financial solution that will help your savings grow over time rather than risk losing everything due to short-term market volatility.

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Comments (26)

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  1. Yes it is true there is turmoil in the market but for the long term those stocks with strong balance sheets and increasing dividends and esp undervalued can do very well for the long term investor.

  2. Personally, I’ve found the only strategy that beats inflation is saving more than I spend and buying everything second hand – except food of course – but my garden handles that.

  3. I had tried with properties and gold if I had some money saved over.

  4. vending companies says:

    Investment in property double the money in less time.Gold also a good option.

  5. vending companies says:

    Mutual funds are also good profit generating. Just need to read the complete information properly.

  6. It takes a lot of knowledge in order to invest in the right stocks and bonds.

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  18. p90x workout says:

    Even with the housing crisis I agree that property will always be a safe investment as long as you do your research. If you purchase a home in a bad area then of course the value may go down. The thing is that everyone will always need a place to live whether you have to rent out the house or sell it you should always be able to make some money when needed.

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  22. Atividades says:

    I think that property in certain places in the world is still a big risky as an investment. The prices still go down a lot and the chances to a big recover soon for example in the south of europe are far to be achieved.

  23. Technology says:

    I think that residence in certain locations on the globe is still a big dangerous as an financial commitment. The costs still go down a lot and the possibilities to a big restore soon for example in the southern of european countries are far to be obtained.

  24. James says:

    Already I have focused to invest in properties and it is very useful for my future too.

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